BlastPoint's Credit Union Scorecard
AMERICAN SPIRIT
Charter #15426 · DE
AMERICAN SPIRIT has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.5% in tier
- + Members Per Employee (MPE): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 0.28% above tier (higher cost structure)
- - Delinquency rate 2.46% above tier average
- - Loan Growth Rate: Bottom 7.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,117
+0.2% YoY+0.0% QoQ
|
+9.5K |
2,615
-1.9% YoY
|
17,002
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 0.5% in tier |
| Assets |
$70.7M
-3.3% YoY+0.2% QoQ
|
+$40.5M |
$30.1M
+2.1% YoY
|
$210.6M
+17.0% YoY
|
$561.6M
+9.7% YoY
|
Top 12.1% in tier |
| Loans |
$23.2M
-17.7% YoY-4.8% QoQ
|
+$7.4M |
$15.8M
-1.3% YoY
|
$130.5M
+17.1% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$61.7M
+2.0% YoY-0.3% QoQ
|
+$36.0M |
$25.7M
+1.4% YoY
|
$186.4M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
Top 11.3% in tier |
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| ROA |
0.4%
+52.7% YoY-39.6% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
2.3%
+136.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.0%
+7.6% YoY-1.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.4%
+5.3% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
82.8%
-0.6% YoY+3.5% QoQ
|
+0.3% |
82.6%
-2.3% YoY
|
76.4%
-7.9% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
4.0%
+6.7% YoY+13.0% QoQ
|
+2.5 |
1.6%
-3.1% YoY
|
1.8%
-3.1% YoY
|
1.3%
-2.1% YoY
|
Top 8.6% in tier |
| Loan To Share |
37.5%
-19.3% YoY-4.6% QoQ
|
-23.1% |
60.6%
-3.1% YoY
|
48.0%
+1.1% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$7,006
-4.4% YoY-1.6% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$14,177
+3.6% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
2.7%
-9.1% YoY+1.8% QoQ
|
-21.8% | 24.4% | 13.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)